Under the background of decreasing market interest rate, the yield of most sound financial management is also decreasing, which makes it more and more difficult to find a financial product with higher yield. Then, with 1, yuan to buy sound financial management, can you get 5, yuan a year?
1, yuan to buy wealth management, and the annual income reaches 5, yuan. It is easy to calculate that the financial yield is 5%. Although this rate of return is not very high, it is basically not found in fixed-income financial management such as bank deposits and national debt. Perhaps only the following kinds of sound financial management can achieve this rate of return.
one is the pension management of banks. Bank pension financing is a long-term and low-risk financial product launched by the bank's financial subsidiary.
according to the performance comparison benchmark given by the pension financing of listed banks, the rate of return is basically above 5%, and the highest can even reach 8%. If this rate of return can be achieved, you can earn 5, yuan a year by buying 1, yuan of wealth management, and even have the opportunity to exceed 5, yuan.
However, the bank's pension financing also has disadvantages. One is that the term is relatively long, ranging from 5 years to 1 years. The other is that the quantity is small and it is difficult to buy. Because bank pension financing is still in the pilot stage, the number of issues is relatively small and the rate of return is high, so there are more people who buy it, and those who want to buy it may not be able to buy it.
the other is pure debt fund. Not all funds are sound financial products, and the risks are high or low, while pure debt funds are one of the lower risks. Although pure debt funds are not capital preservation funds, they rarely lose money.
in terms of income, a small number of pure debt funds can reach more than 5%, but their return rate fluctuates, and there is no guarantee that the annual return rate can reach more than 5%.
In addition, pure debt funds should distinguish between short-term debt funds and long-term debt funds. Because the overall yield of short-term debt funds is relatively low, it can be said that there are very few short-term debt funds with an annual yield of 5%. The yield of long-term debt funds can exceed 5%, much more.
Therefore, if you want to buy a pure debt fund, and the annual income of 1, principal reaches 5, yuan, you'd better buy a long-term debt fund.
the other is structured deposit. Structured deposits can be regarded as both deposits and wealth management products, just because they have the characteristics of both: on the one hand, structured deposits are capital preservation products; On the other hand, its interest is floating.
because it is a capital-guaranteed product, most structured deposits are not very high, mostly between 2% and 4%, but a few structured deposits have a yield of more than 5%.
although structured deposits are capital preservation products with high security, they also have the disadvantage of high yield and harsh conditions. Therefore, buying structured deposits is more difficult than the above two kinds of financial management if you want to get a yield of more than 5%.
the last one is insurance financing. Although many people don't like to buy insurance financing, because they want to avoid it when they hear the word' insurance', some insurance financing is actually good. Because the income from insurance financing is relatively stable, some can reach more than 5%.
It should be noted that although all the above prudent financial management have the opportunity to achieve a rate of return of more than 5%, no financial management can guarantee this rate of return. Because their yields are all floating, the specific benefits are only known when the wealth management products are redeemed. Related Q&A: How to save 1, yuan for the best return? It depends on how long you want to keep it. In the short term, there are 1-day and 7-day notice deposits, and in the medium term, you can buy property products.